My Train Experiance to Trivandrum

It was a hot sunday afternoon, i was standing in the railway platform when the temperature was soaring at 38 degree celcius. Ya, what to do , i can't change the nature. i went to a fruit stall , ordered couple of juices and came out to park myself in the seat kept in the platform. Started noticing what is happening around me there. i could see quite number of students standing to wish good luck to the people leaving the department for vacation or further career. ya, you will notice atleast a pair of good friends or lover in those list too who seperates feels that how can able to sustain the seperation. ya, instead of local mobile , now STD mobile rate going to increase till the meet each other.

I heard a announcement that the train to my destination is going to arrive in the platform. ya, i am busy enough to check my ticket for the train number. i believed the train coming is meant for me only. i boarded the train and occupied my seat and went to my own world of dreams. ya, it was deep sleep that someone called me in the midnight after around 8 hours of my journey that the seat belongs to them. i checked it up, ya, the person is right, i boarded wrong train. what to do, i started searching for TT who is responsible for train seats. the person went to sleep in the air-conditioned coach. there was a seperation between general compartment and air-conditioned coach, i couldn't reach unless train stops somewhere. i enquired with a passer in the train, he advised to get down at a station so that i can capture the train which comes behind the train.

to my surprise, the train only slowed down at the station, i need to take risk by jumping out of my compartment. ya, i able to board the right train. first thing, i did was to search for the TT and taken permission to reconfirm my berth in the train.

with all the dificulty, i get back to my dreams and i find my mobile was completely discharged. i need to know my destinated hotel in the trivandrum to get back to their. i get down from the train and went search for the charging point, got the hotel address and find a auto to reach the hotel. i refreshed myself and find a group about to leave for the kalyana mandappa. i requested them to take me their. my requested was warmly accepted by them.

I went on time to wish the new wed couple in the mandappa. then i took my return train back to chennai.

Ya, the journey afterwards ended me with viral fever for another 3 weeks in bed. i am slowly recover from the shock of the fever. the meeting of several doctors and hospital to recover faster from the high temperature and my tonque was eager to take good food and cold drinks. which i was stopped to take during coarse of time.

overall my experiance was good and ended with costly affair of high fever.

I wish readers to take care of their health when take things in the shop in the station especially open foods.

Good luck and wish you nice journey

My Loving commutators of chennai

My recent relocation of my place from bangalore to chennai has given an immense pleasure in a different way, we call in tamil has " sugam means millionaire pleasure". Let me start with the temperature, as human are warm blooded animals or so, four years, i still get confused between my fan and light switches of my home in bangalore, since rarely i switch on the fan to dry my clothes inside my room. otherwise, we are enemy so that i never try to disturb her at any cost.
let me continue with this topic, temperature sometimes will be unbareable even at 6AM when i used to go for jogging. there is hardly a little chance for the sweet to dry up by the temperature. when you board 21G either at the source or inbetween, the crowd will rain me with my own sweet. atleast, i escaped from the experiance after govt launched the low-floor luxury bus in chennai. where lower middle class and pass users will take back to board the bus even though the fare is lesser than a quarter dollar.

Another interesting part is, driving in the crowded streets, ya, you need to look in all direction till you get hit by a person in any one of the direction. so you need to drive which ever way you can, so you will hit by your mistakes than others. when you are driving, you need to handle

person who comes opposite to you, since any time, he try to enter you lane to shock you thats it
person who wants to overtake you at the same speed you are driving , far-chances, he will do when a vehicle is coming in opposite direction.
there are people who dont bother others, but drive in the middle of the road, they dont like you to over take them
people who wants to cross the road , they will do it steps, cross the first half and wait and they dont look back. it is surprises for me, how come i missed a hit , even though you might have noticed them standing even in the night when everyone wants to go in high beam without knowing why i require it now.
so its always surprising , myself and my bike are lucky enough , i escaped from all these types of mischeif

Music Helmet

When we want to hear music while driving the headphone inserted may not fit in the write position. It cause rider a major discomfort during the same. Imagine if we have music speaker closer to our ears placed inside the helmet itself, it will give cushion for the rider to his comfort level on the way.
Components required:
Helmet with the inbuild speaker and terminal end kept outside.
Accessory cable which can be connected from helmet to the musical instruments like ipod or mp3 player.
Incase of mobile, depends on the instrument, cable can be designed to fit into the instrument and to the helmet to accomodate mic and hear phone.
People have the joy of hearing to music on the way with safety.

Financial terms

What is the Monetary Policy?

The Monetary and Credit Policy is the policy statement, traditionally announced twice a year, through which the Reserve Bank of India seeks to ensure price stability for the economy.

These factors include - money supply, interest rates and the inflation. In banking and economic terms money supply is referred to as M3 - which indicates the level (stock) of legal currency in the economy.

Besides, the RBI also announces norms for the banking and financial sector and the institutions which are governed by it. These would be banks, financial institutions, non-banking financial institutions, Nidhis and primary dealers (money markets) and dealers in the foreign exchange (forex) market.

What do the terms CRR and SLR mean?

CRR, or cash reserve ratio, refers to a portion of deposits (as cash) which banks have to keep/maintain with the RBI. This serves two purposes. It ensures that a portion of bank deposits is totally risk-free and secondly it enables that RBI control liquidity in the system, and thereby, inflation.

Besides the CRR, banks are required to invest a portion of their deposits in government securities as a part of their statutory liquidity ratio (SLR) requirements.

The government securities (also known as gilt-edged securities or gilts) are bonds issued by the Central government to meet its revenue requirements. Although the bonds are long-term in nature, they are liquid as they can be traded in the secondary market.

Bank Rate

Bank rate is the minimum rate at which the central bank provides loans to the commercial banks. It is also called the discount rate.

Usually, an increase in bank rate results in commercial banks increasing their lending rates. Changes in bank rate affect credit creation by banks through altering the cost of credit.

Cash Reserve Ratio

All commercial banks are required to keep a certain amount of its deposits in cash with RBI. This percentage is called the cash reserve ratio. The current CRR requirement is 8 per cent.

Inflation

Inflation refers to a persistent rise in prices. Simply put, it is a situation of too much money and too few goods. Thus, due to scarcity of goods and the presence of many buyers, the prices are pushed up.

The converse of inflation, that is, deflation, is the persistent falling of prices. RBI can reduce the supply of money or increase interest rates to reduce inflation.

Statutory Liquidity Ratio

Banks in India are required to maintain 25 per cent of their demand and time liabilities in government securities and certain approved securities.

These are collectively known as SLR securities. The buying and selling of these securities laid the foundations of the 1992 Harshad Mehta scam.

Repo

A repurchase agreement or ready forward deal is a secured short-term (usually 15 days) loan by one bank to another against government securities.

Legally, the borrower sells the securities to the lending bank for cash, with the stipulation that at the end of the borrowing term, it will buy back the securities at a slightly higher price, the difference in price representing the interest.

Open Market Operations

An important instrument of credit control, the Reserve Bank of India purchases and sells securities in open market operations.

In times of inflation, RBI sells securities to mop up the excess money in the market. Similarly, to increase the supply of money, RBI purchases securities.